Joan Kisthart

Senior Mortgage Underwriter (Remote)

Litchfield, CT 06759 ad29cp@r.postjobfree.com 781-***-****

Authorized to work in the US for any employer.

Hardworking employee with customer service, multitasking, and time management abilities. Devoted to giving every customer a positive experience.

Work Experience

Underwriter III

Flagstar Bank - Troy, MI

July 2015 to Jan 23, 2024

Laid off due to low volume.

. Underwriting FHA, VA and USDA and Conventional Loans

. Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.

. Inspected financial statements, credit information and title data to complete the underwriting process.

. Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents

. Reviewed appraisal verifying product guidelines are met, value supported.

Remote Mortgage Underwriter

Loan Simple Inc - Englewood, CO

March 2015 to July 2015

Remotely underwriting from my home for correspondent lender

•Underwrote FHA, Fanne Mae, Freddie Mac loans

•Reviewing appraisals and title reports

•Worked on Encompass Operating system

Mortgage Underwriter

Primary Residential Mortgage - Cranston, RI

July 2014 to March 2015

Underwrote Correspondent Mortgage Loan Application to lender specific guidelines

-Underwrote FHA, Fannie Mae, Freddie Mac, USDA and Jumbo loans

-Reviewed appraisals and titles

-Worked directly with sales and processing team to expedite the loan process

-Utilized LP, DU, GUS and AUS systems

-Ordered Mortgage Insurance from 3rd party companies

-Worked on Data Trac, Blitz Docs and Encompass Operating Systems

Mortgage Underwriter

Radius Financial - Norwell, MA May 2013 to February 2014

Underwrote Correspondent Mortgage Loan Applications

-Underwrote Loan Files to specific Investor Guidelines

-Underwrote FHA, Fannie Mae, Freddie Mac, Jumbo and USDA loan files

-Reviewed titles and appraisals

-Worked directly with sales associates on files

-Worked on Radius Operating System and Blitz Docs

-Utilized LP, DU and GUS AUS systems

-Mentored and worked directly with Processing Team

-Assigned a pipeline in excess of 50 loan files

-Ordered Mortgage Insurance with 3rd party companies

Mortgage Underwriter III

EverBank - Braintree, MA

November 2012 to May 2013

Worked in EverBank's Retail Lending Division

-Underwrote Preferred (Portfolio) Loans

-Interacted with clients, Loan Officers and Processors, as needed

-Mentored Processing Team-

-Assessed Preferred Loan applications for potential performance

-Utilized LP, DU and GUS AUS systems

-Underwrote Jumbo Loans

-Underwrote loans designated for sale to Freddie Mac and Fannie Mae

-Underwrote FHA Loans

-Worked on Encompass Loan Origination System

-Underwrote loans from all 50 States

-Reviewed titles and appraisals

-Ordered Mortgage Insurance with 3rd party companies

Mortgage Underwriter

Sierra Pacific Mortgage - Columbia, MD May 2012 to November 2012

Underwrote Wholesale and Retail Mortgage Loan Applications

-Worked as a remote Underwriter assigned to the Columbia, MD office

-Reviewed titles and appraisals

-Underwrote loans to FHA, USDA, Fannie Mae, Freddie Mac and Sierra Pacific guidelines.

-Communicated with Wholesale Brokers, CSR's and the closing department to ensure the accuracy ofloan file for closing

-Worked with Blitz Doc's

-Utilized LP, DU and GUS AUS systems

-Ordered Mortgage Insurance with 3rd party companies

Senior Mortgage Underwriter

Bank of America - Taunton, MA December 2009 to May 2012

Worked in Bank of America's Retail Lending Division

-Recipient of Top Underwriter Dispositions Award

-Recipient of Underwriter Quality Award

-Underwrote loans from all 50 states

-Underwrote to FHA, Fannie Mae, Freddie Mac and USDA guideline

-Reviewed title and appraisal reports

-Carried a pipeline of up to 50 loans

-Dispositioned over 50 loans files per month

-Utilized LP and DU AUS systems

Mortgage Underwriter

Poli Mortgage - Norwood, MA

September 2009 to December 2009

Underwrote Correspondent Mortgage Loan applications

-Underwrote loans to FHA, Fannie Mae, Freddie Mac and Investor Specific guidelines

-Reviewed Title and Appraisals

-Utilized LP, DU AUS systems

Senior Underwriter

Dynamic Capital Mortgage - Brookline, MA

June 2009 to September 2009

Underwrote loans for Dynamic Capital, a Correspondent Lender

-Underwrote loans to FHA, Fannie Mac, Freddie Mae Guidelines and investor specific guidelines - Worked with the post closing department to gather and identify necessary documents to sell the loans to specific investors

-Communicated with HUD and Investors on suspended files to ensure salability

-Utilized LP and DU AUS systems

Senior Underwriter

Taylor Bean & Whitaker - Braintree, MA

April 2006 to June 2009

Worked in Wholesale Lending Department

-Responsible for underwriting loans from wholesale division

-Underwrote files to FHA, USDA, Fannie Mae and Freddie Mac guidelines

-Underwrote conforming and non-conforming loan files

-Analyzed credit, income and appraisal documents to ensure loan quality

-Cleared underwriting conditions and issued a clear to close on loan files

-Utilized DU, LP and GUS operating systems

-Received Direct Endorsement approval from HUD - Reviewed title and appraisal reports

Senior Underwriter

Washington Mutual Retail - Dedham, MA July 2005 to April 2006

Responsible for manually underwriting stated income and full documentation conforming and jumbo loans

-Underwrote and reviewed loans to assess investor salability

-Underwrote and reviewed portfolio products for performance

-Reviewed cross-collateralizations loan applications for risk performance

-Achieved sign off authority $1.5 million and $2 million aggregate

Underwriter

Wasington Mutual Retail - Dedham, MA

February 2003 to July 2005

Processed and Underwrote AUS approved loan applications

-Responsible for the pipeline of three loan officers based in Manhattan

-Submitted loans through DU and LP for AUS approval

-Analyzed credit and income documents clearing all underwriting conditions

Mortgage Underwriter

Consolidated Mortgage - Quincy, MA

September 2002 to February 2003

Underwrote loan submissions to companies investor specific guidelines

- Communicated with loan officers, borrowers and the investors to obtain all necessary documentation required for loan closing

Junior Mortgage Underwriter

Washington Mutual Wholesale - Braintree, MA

September 2001 to September 2002

Worked in Washington Mutual's Wholesale Mortgage Division

-Processed and underwrote automated approved loans for two account reps

-Achieved sign off authority up to $1,000,000

Loan Coordinator III

Washington Mutual Wholesale - Braintree, MA

May 2001 to September 2001

Processed the pipeline of two account reps

-Carried a pipeline in excess of 50 loan files

-Analyzed income, asset and credit

-Gathered needed loan conditions from the borrower

-Submitted loans through LP and DU systems for final approval

-Worked with the underwriting department to obtain all necessary documentation required for loansthat did not receive an approve AUS finding

Broker Service Rep

Greenpoint Mortgage - Waltham, MA

August 2000 to May 2001

Served as the liaison between the account executive, broker, processor, underwriter, closer and attorney to ensure the accuracy of loan files

Senior Government Loan Processor

Bank of America - Charlotte, NC

October 1997 to August 2000

Processed a pipeline in excess of 50 loans

-Processed FHA, VA, VHDA and Farmers Home Loans

-Supported a regional territory of Virginia, Kentucky, Maryland and Washington DC

Education

Marywood College - Scranton, PA

Marywood College

Skills

•Credit Analysis

•Underwriting

Contact this candidate